skip to main content
support for northern Nevada members
The Bug and Stallion Fires have impacted many families and communities across Northern Nevada. Whether you're dealing with evacuation, property damage, lost income, or unexpected expenses, please know that Team United is here to support you.
To help ease financial stress during this difficult time, we're offering several financial assistance options for eligible Members impacted by the wildfires.1
financial assistance for impacted members
We understand that every Member's situation is different. Depending on your needs, the following financial relief options are available to eligible Members impacted by the Bug and Stallion Fires. These financial relief options are available for impacted Members through September 30, 2026.1
If you're interested in exploring any of these options, contact us to get started.
Loan Payment Deferrals
Members in good standing can use Skip-A-Payment without paying the usual fee on eligible auto and recreational vehicle loans.2
Signature Loan Special
Get the funds you need now with a Signature Loan, also known as a Personal Loan, and take advantage of no payments for 90 days.3
Early Access to Share Certificates
Need to tap into your share certificate sooner than planned? No worries. We'll waive the early withdrawal penalty on all share certificates for eligible Members impacted by the wildfires.1
U First Visa® Credit Card
Ease financial stress with a U First Visa® Credit Card, offering 0% APR for the first six months on purchases and balance transfers,4 then as low as 11.24% APR thereafter.5
connect with team United to get started
If you’ve been affected by the Bug or Stallion Fires, we’re ready to listen, understand your situation, and help you review the financial assistance options that may be available to you. Connect with us by phone, schedule a time to talk, or visit a United branch listed below.
Member Service Center
Talk with a Member Service Advisor about your situation and the financial assistance options available to you.
Schedule an Appointment
Choose a time that works for you and meet with a United team member in person or talk with us by phone.
digital banking is available 24/7
Wherever you are, you can continue to access your United accounts through Digital Banking to check balances, transfer funds, make payments, deposit checks, and manage your accounts.
additional wildfire recovery resources
United is here to help with your financial needs, but additional assistance may also be available through local, state, and nonprofit organizations. These trusted resources can help connect you with disaster recovery services, shelter, food, insurance assistance, and other support.
Nevada 211
Connect with local resources for housing and emergency shelter, food, utilities, transportation, health care, disaster recovery, and other essential needs.
Find disaster assistance through Nevada 211
American Red Cross of Nevada
Find disaster relief and recovery support, including information about emergency shelter and resources for individuals and families recovering after a disaster.
Get disaster help from the American Red Cross
Washoe County Emergency Management
Find local information and recovery resources from Washoe County Emergency Management.
View Washoe County recovery resources
Help with Insurance Claims
If your home or property was damaged by fire or smoke, the Nevada Division of Insurance provides guidance for filing homeowners and renters insurance claims and assistance with insurance-related questions.
protect yourself from disaster scams
Unfortunately, scammers often take advantage of people recovering from wildfires and other disasters. Be cautious of anyone who pressures you to make an immediate decision, promises guaranteed disaster assistance, or demands payment by wire transfer, gift card, cryptocurrency, payment app, or cash.
Before hiring someone for clean-up or repairs:
- Check that contractors are properly licensed and insured.
- Get estimates and agreements in writing before work begins.
- Be skeptical of promises of immediate clean-up or repairs.
- Never pay the full cost of repair work upfront.
- Never pay someone a fee to help you qualify for FEMA disaster assistance.
Learn how to avoid disaster-related scams
Advice Hub: How to Spot a Fraud Scam Before It’s Too Late
Advice Hub: Red Flags: Financial Institution Impersonation Fraud Scam
Advice Hub: How to Spot a Scam
frequently asked questions
Financial relief options are available to eligible United Members whose primary residence is located within ZIP codes 89701, 89702, 89703, 89704, 89705, 89706, 89707, 89708, 89709, 89710, 89711, 89712, 89713, 89714, or 89715. Offers and waivers are available through September 30, 2026, and eligibility requirements vary by product or service.1
The no-fee Skip-A-Payment option is available for eligible United auto and recreational vehicle loans. The loan must have at least 12 months of payment history, and all United loans must be current when the request is made. Additional terms and conditions apply.2
Yes. Interest will continue to accrue during the payment deferral period. For an eligible Skip-A-Payment, your original loan term will also be extended.2 For the Signature Loan special, finance charges begin on the loan closing date and interest accrues during the 90-day payment deferral period.3
No. The six-month introductory 0.00% APR on purchases and balance transfers is available only with a new U First Visa® Credit Card and is subject to credit approval.4 After the introductory period, applicable rates are based on creditworthiness and are subject to change.5
Subject to credit approval. APR = Annual Percentage Rate.
[1] Financial relief options available 8/15/2026 - 09/30/2026. These dates are subject to change. Member must have primary residence located within ZIP codes 89701, 89702, 89703, 89704, 89705, 89706, 89707, 89708, 89709, 89710, 89711, 89712, 89713, 89714, or 89715 to be eligible for waivers and offers.
[2] Requires a minimum of a 12-month loan payment history on file for the requested loan. This program only applies to auto or recreational vehicle loans. All United loans must be current at the time the skip payment is requested. Limit one standard skip payment per year. Other terms and conditions may apply. Interest will continue to accrue on your loan and your original loan term will be extended.
[3] Available to qualified borrowers for signature/unsecured loans closed after 8/17/2026. Finance charges begin on the closing date and interest accrues during the payment deferral period. Subject to credit approval.
[4] Six-month introductory 0.00% APR on new purchases and balance transfers is available only for new U First Visa® Credit Cards. Subject to credit approval.
[5] After the introductory period, the variable APR is between 11.24%–18.00% for purchases and 9.24%–16.00% for balance transfers. Rates are current as of 8/17/2026 and are subject to change. APRs are tied to the Wall Street Journal Prime Rate. The applicable APR is determined by the applicant’s creditworthiness.